The Iced Coffee Hour - How To Make $80,000 PER MONTH | Ep. 10 Feat Linguamarina

Episode Date: July 26, 2020

This episode we discuss important matters such as our experiences with pyramid schemes, Marina's. income breakdown, and we learn Russian.  Enjoy!  Marina's Socials: https://www.instagram.com/linguamarina Youtube: https://www.youtube.com/channel/UCAQg... https://www.youtube.com/channel/UCLJl... https://www.youtube.com/channel/UCiq1... Add us on Instagram:  https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Send any voice submissions to [e-mail]  (10-15 seconds max) can be about anything- and we will respond in the next podcast! Get 2 Free Stocks on Webull when you deposit $100: https://tinyurl.com/yd9slfax Join the 2x weekly mentorship group: https://tinyurl.com/yaexko4o The Equipment used: https://tinyurl.com/y78py5g2 The YouTube Creator Academy:   Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $200 OFF WITH CODE 200OFF  For Podcast Inquiries, please contact [e-mail] Learn more about your ad choices. Visit podcastchoices.com/adchoices

Yeah, welcome back to the iced coffee hour. Cheers. Smash the like button. I'm straight away. I'm Jack. This is Marina. Hey. This is our guest for the 10th ever episode of the iced coffee hour.

Thank you so much for tuning in. Yeah, you picked a good episode to be a part of today. It's a special one. So just to give everyone an overview of who you are, you have three YouTube channels, if I'm correct. And between all three channels, you have over 4 million subscribers, right? Correct. Yeah, so I started my first YouTube channel,

back in 2014 when I was trying to get admitted to U.S. university and I realized there's not information, there's not enough information in Russian. So I started my Russian channel. It's over one million followers now and I talk about everything like life in the U.S. investing as well. Cool. There we go. Started sharing my experience. And then the second channel is called Lingua Marina. This is where I teach people languages. It has over 2 million followers. And the latest channel Silicon Valley girl started it two years ago to talk about business and life in Silicon Valley. It's funny enough, that's the channel that I knew. I didn't even know you had two other channels. Yeah, and that's the thing. It's just so different. Yeah, that's the thing because I wanted to target

different people because with Lingua Marina, I realized I live in the U.S., but I talk to people from all over the world, but I really want to talk to people in the U.S. So it had to be a different channel. Yeah. But yeah, I started watching your channel about maybe two years ago. Oh, really? Because the algorithm, the algorithm kept pushing. your stuff. Oh, nice. Yeah. I love it. Your videos just kept coming up recommended. So, yeah, good job algorithm. Oh, yeah. How did you do that? Did you have like a marketer? Did you just work on the thumbnails and study it? Nothing. Yeah, I just

experimented and tried things. And I think whenever you do a video top 10, whatever, the algorithm just loves those videos. Oh, we know. We should do a top 10 podcast now that we've had 10 episodes. There we go. Yeah, exactly. You can do the top 10 iced coffee hours. We could make it 10 hours long. That's smart. So giving a little introduction about yourself, you also have a course, correct? Yeah, I have a YouTube course.

Actually, two YouTube courses. How to start on YouTube and how to grow on YouTube. But apart from that, I think most of my time goes to my company called Language Trip. It's a Silicon Valley startup backed by Silicon Valley investors. It's like a study abroad booking platform for a language travel. and we also have an online part where we teach people languages online. I didn't know you had another YouTube Creator Academy because that's what I have, linked down below in the description.

Are you competition? How much do you sell it for? $1.99. Oh, wow. Well, mine with the discount is $197. So maybe we just throw in the discount here. We'll undercut you. Let's hear the link down below it's $197.

We'll do a $200 off. There you go. I think I have a slightly different approach. I see a lot of YouTube. who are trying to be bilingual, enroll in my course, because they speak to languages and they want to be famous in both demographics. So, yeah. Imagine that. When fame is not enough in one language, you're like, you know what?

How many other languages are there? I need to be known in all languages. Exactly. I got to learn another language. I tried learning Spanish. How do that go? I have three years of Spanish. And I don't remember a single thing in high school.

Not a single thing? Not a single thing. You speak four languages? I speak Russian. English, German, and a little Italian. That's impressive. This is what you do when you come from a foreign country, not English-speaking country, because you just have to. Where were you born?

Russia. Russia, and when did you move over here? 2016. Wow. That'll do it, yeah, because I was never really forced to speak another language, except in, like, a 15-minute class in high school, and that was it. Yeah. You know? Did it take you a long time to learn all those languages, or was it kind of just?

No, yeah. I started learning English at the age of four. And then it was just a long process. And then with German, I started at age of 12. And Italian was just for fun. It's impressive. But yeah, you're never ended with learning a language. You just learn and learn and learn.

Wow. So how are the courses going? I've actually stopped calling them courses. I call them programs now. Because all the Amazon FBA people ruined the word course, I think. Because there's so many of this course. The first thing you think course is like, ah, it's a scam. So I start program

Yeah that sounds better Yeah So you have a program You have two programs you sell Yeah And then after that Someone's gonna ruin program And then it's gonna be something else

So we gotta think We gotta be ahead of this one And think what do we call it after program? Just call it a mentorship Everything could just be a mentor Mentorship is also like this It's tough For people who just produce courses

And do nothing Scam artist A scammer Is an entrepreneur Is it's a nice word, right? Yes. It doesn't have this bad. Not at all. Yeah, because we have a special word in Russia and I just got interviewed by a major Russian magazine on how to tell if a person is a food course producer or a bad course producer. Hmm, this is a good spot for an ad break, I think. So

how do you, how do you tell? Um, so basically when somebody produces a course about a thing he's not an expert in, like, for example, if you didn't have any followers in YouTube, but you started your program. Oh, makes sense. Yeah. Okay. And we have like, I see a little of people who are teaching business, but their only business is producing forces and teaching other people. Oh, yeah. Oh, it's the people that teach you how to make money online and they sell

a course, but how they make all their money online is the course. Exactly. So it's a course on how to build the course. It's smart. Yeah, it is. It works. Yeah. Yeah, to some time. As long as it's an effective course. Like, imagine I go to you and I'm going to teach you how you can make a dollar. It's only going to

cost $1.00. So you pay me a dollar. I'm going to teach you how to make that dollar back. Yeah. So to sum it all up, essentially what you are is just an entrepreneur because you have many different business ventures. What started it all? Like how did you start out? What was your first venture? Language trip. It was, it didn't have this name when we started. So we were both Dimitri and I, my husband, were studying together in one university. We started dating, dated for one year. And then he said, we need to start something together because you're so good at languages. And there are so many people who want to travel and learn languages. Because this is. is the reality for Europe. And we decided to start our first company. We only had $300, invested

$300, sent our first client to the UK. And then we only had three clients in a year. But then it just kind of started growing. And yeah, I grew to. How do you invest $300? What is that? Incorporated. Okay. Okay. So you just got incorporated. And then the rest was just your time. Exactly. Okay. And then what about? How did you grow? Was it referrals and stuff like that? We started sending our friends abroad. So the first three clients. are close friend. And then what did you do before that? I just studied at a university.

So I tried working for Avon when I was like 12. I think that was my first. Avon, what's... Avon, cosmetics. You're asking the wrong people about Avon? Avon cosmetics. It's like Amway.

Like this pyramid. Oh, I know Amway. Yeah, yeah. It's very similar. Oh, okay. So it's a multi-level marketing. Exactly. They're not pyramid. It's multi-level marketing.

So you would get it and then you'd sell it to someone else. And then it trickles down. Yeah. People can make a lot of money from that if they're at the top of the pyramid. You just always want to be at the top of the pyramid. You're going to do it. You may as well just do it right. Have you seen this documentary on Netflix?

Herbal life? Which one? Herbal live. Oh, that's, yeah. There's some, yeah. It's a good. I saw one a while ago about some clothing company that did that, where people were spending thousands of dollars to get started with this clothing brand.

Oh, my gosh. And they would have these managers that would just yell at these people, be like, you're not selling enough product. Like the only way to move up is you need like this special thing. And this is why you're not selling enough. And they'll sell you like another $2,000 thing. And it's a lot of these like, a lot of people who are like out of work or whatever just like going in credit. Oh, oh, yeah, they were telling people to open up credit cards who didn't have the money to pay for it.

They're just to open up a zero percent interest credit card. Put it on the credit card. You'll make it all back. Classic. That's terrible. Yeah. I almost got involved with one of those before I started working with you. Yeah.

because I was looking at Craigslist ads for jobs because I just hated my current my past jobs so much. I was like, what can I do to get out of here? And I found one. It was called Cutco. And it was the knives. Exactly. And it was like $20 an hour. And I was like, okay, this isn't so bad.

And it seemed like pretty decent. And then I just, I was like, okay, but there's no way that they would just accept some random person. You don't need to have any sort of like, you know, history doing something similar. It was just anybody could do it. And I was like, this sounds too good to be true. So I just looked up is cutco. scam, like, you know, endless results, just saying, like, yeah, I don't trust this company. That happened to me, too, in high school.

I was 17, and I went to, same thing, Craigslist. And I went on Craigslist, and there was something about, like, you know, being in sales and working your own hours and being your own boss. And I remember emailing back and forth with the guy and saying, like, I just wanted to learn. Like, I didn't even want to get paid. I just wanted to shadow this guy and figure out, like, what he does all day. That's all I wanted. But he ended up meeting me to Starbucks, which is the number one sign.

It's probably MLM. meeting you at a Starbucks. So I actually wore like a suit. I wore a suit to this thing and this dude was sitting there with his computer trying to sell me, I kid you not. I'm sure we could look for a screenshot of this online, but it was a phone. It was like FaceTime before there was FaceTime. It was a phone with a camera on it. And then if someone else had the phone with the camera on it, you guys could see each other as you're talking on the phone and it hooked up to the internet.

And anyway, I would have been selling those. And that's what it was. But he didn't, he had no intention of like mentoring me or anything like, that's what I wanted. But, uh, yeah, I'm sure we could, I'm sure we could find that. Yeah. My experience was better. Tell us about it. My mom had to sign the contract because I was 12.

You were 12? Yes, this is why I started experimenting. Wait, so you were still. I was still, yeah. Yeah, I'm in Russia at school. And I sold everything to my teachers. But yeah, I didn't need a lot of money to start up front. They just gave me the catalog.

And I started. That was my first selling experience. And then I did some singing for like five years a song. So like that. But then, yeah, I had some. Oh, yeah. And I had an internship at a souvenir store where I could practice my English with tourists. But then that was it.

And then I started a company. Wow. But working at 12, what prompted you to figure, oh, I need to make money? I just wanted to try. He's going to make money. Yeah, I was dreaming about making money from earlier on. And I was just thinking, what can I do? do at the age of 12.

So you've always had that mindset, like to work hard. Yeah, exactly. Smart to market teachers. Yeah. That's smart because you have a lower likelihood of them saying no. Right. It's like girls got cookies. Yeah, but those are so good.

Yeah. But you can't just say no to like a cute little. No. Especially because you want to encourage that type of behavior. You don't want to be like, no, get out. Yeah. Because then they're ruined for the rest. So how many teachers said yes?

Oh, a lot. I think we're saying. Yeah. Out of how many? Actually making like a decent amount. Oh yeah. Well, like $100 was the maximum that I could make a month. Why was it capped at 100?

No, this is what I could do. I mean, in terms of like my separate capacity. Oh, okay. It wasn't a lot of money, but for Russia was a lot. So what would that be equivalent to in the U.S. today? Like a hundred a month would be a thousand. It was a third of the average. Yeah, so you barely afford.

So in Russia, we have this day. different situation like in the u.s we pay taxes on things we own like property in russia you don't really pay if you do pay taxes they're really really small so if you own something you can just survive on like fifty dollars or a hundred dollars because you don't have all the fees so earning a hundred dollars at 12 years old it was in russia was it's got to be thousands basically like the equivalent of equivalent of a thousand dollars a month i would say wow yeah oh my god Yeah. At 12, if I had like 50 bucks.

Whoa. I got to do, I got to get on a plane and go to Russia and start doing that. Wow. Good gig. Impressive. Jeez. That is cool. So all of that stuff is what ultimately led up to you starting your own business.

Yeah. And it started off slowly for about a year. Very slowly for about a year. And then it started accelerating. And then we decided that we don't want to have this offline business. We want to build an online platform. And Dimitri, my husband, had this idea of, you know, raising money in Silicon Valley. And I was like, why would people in Silicon Valley give us money?

Because we're a no-name company in Russia. But we just started reaching out of people. And then we had a meeting with a guy who was Forbes 30 and the 30, sold his company here in the U.S. And he was traveling around Europe to just meet startups. And we had a meeting and he was like, wow, I'm going to introduce you to a white combinator and 500 startups, top two accelerators here. And he introduced us and the next night I had an interview. And then I think it was Tuesday morning, I wake up.

And you should understand our situation. We're running out of money. We had a lot of debts. We didn't know how to market the product. And then one morning I wake up and I see this email from 500 startups. We're offering you $100,000 of investment. Wow. It's a four-month program.

So we just backed and came here. That's incredible. What did it take for you to be able to get the investors to invest in you? A lot of meetings, a lot of knows. I remember being on a stage in Russia in front of a lot of Russian investors and pitching my startup. And then the guy who's considered like a really good investor in Russia, he stands up and says, the best thing you can do right now is shut down your company because we've already worked with a similar company and they couldn't make any profit. So I think, you know, you just need to find a job or do something else.

And I was there like standing on the stage nearly crying because, you know, all the pressure and I'm pitching my company. Yeah. Yeah. Exactly. Yeah. And that was Kevin O'Leary who said that. Yeah. And for that reason, I'm Barbara.

Yeah, and then, you know, just a lot of pitching, a lot of meetings. That's horrifying. Yeah. But props to you. Thank you. And then because of that, you decided to start your YouTube channel. Yeah, so two factors.

First, I was preparing for GMAT, and I realized all the info was in English, and I wanted to start a Russian channel. And then we moved to the U.S. And we got a retired police interceptor for a $2,700 from Craigslist. That's cool. Because this is like a car we could afford and that looked decent. And I made a video about that and it went viral in Russia because, you know, a girl driving a police car in America.

And then I realized YouTube is something. Six months after starting a YouTube channel, I got my first $100. And I was like, wow, that's kind of cool. Yeah. Yeah. Yeah. At first little bit that you make from YouTube is the most exciting money anybody's ever going to make. Yeah.

Really. It's like getting introduced to like a drug. I don't do drugs. Let's make it clear. I'm imagining that's what it was. He doesn't do drugs guys. I'm being serious. But like I would imagine like people say like they get hooked on stuff.

Like I remember even earning like 10 cents on YouTube this beginning a few days. It was so cool for me. I was like, oh wow, how do we get more of this? How big was your first check? It was no checks. It's direct deposit. I think the minimum is a hundred. Yeah.

I mean, I don't know, probably a few hundred bucks for that first. Well, it was like, I don't know, the first, the first actual month of being monetized, I think I made like $1,100. Just something like that for that first full month. Yeah. That's pretty cool, though. Yeah. What about you? $100.

$100. But that was like accumulated for a couple months. Oh, right. Yeah. Okay. So it took a while. Yeah. Wow.

That was pretty fast. Yeah, it was. And have you found that YouTube is better to use as a way to get more people to go to your business, or is it's good in itself with, it's good in itself with like AdSense and stuff like that. So first it was the way to get more customers for a language trip. And then I think when I started a channel in English, this is when I started seeing good AdSense revenue. Because if you're blogging in Russian, you don't get a little... I think the CPM in Russian is like one or two dollars.

It seems like almost every other country is just a fraction. At least right now what the United States is. But I think give it like a few years, other countries are going to start rampant? Because I don't think they're... Are they catching on to YouTube? Do they know about it? Are there enough advertisers? It's just people earn less money in those countries.

Okay. They have a lot of advertisers much. It's just how much they can pay per click. I guess. That makes sense. Yeah. Now, we have a very monetizable audience. Your view right now, you watch it.

You have a valuable view. Your view is probably worth two cents. Believe you or not. So thank you. Really, thank you. You get a lot of views from countries like India. Not so much. I think for us, it's about.

65% United States and then Canada and then there's some Australia Australia and then

some of you UK is a big one and then it just goes down from there Norway is really good Norway is like even higher than the US

and it's two acts compared to the US I guess we know what we're going to be doing that's yeah exactly so you found it was best to use it

in the beginning to market to get a better audience. Yeah, and then I started vlogging in English, and I realized this is a completely different check that's coming in every month. Yeah. How many streams of income do you have if you're willing to disclose this?

Oh, sure. So language hub number one, Google AdSense number two, paid partnerships, affiliate programs, my YouTube course. Investment income? Oh, investment income. Just added that.

Oh, Instagram ads. When people buy ads for me on Instagram. My ads for me? How does that work? Oh, like sponsorships. Like sponsorships. Oh, I'm like, wait, Instagram has ads, what? Yeah, sponsorships.

Oh, and I have my workbooks. This is an amazing income source because you produce, it's like a book, it's like a PDF. I call them handbooks and workbooks. And they sell for like $7. And the one that I made was for English language learners. It has 180 pages. And in the first month, we made $25,000 selling it. What is it exactly?

It's like, you know, it's a lot of things in one handbook. So we have like a thousand words that every English language learner should know. TV shows that you should watch like a lot of information about the English language. YouTube channels you should watch the iced coffee hour, Graham Steffen. Oh, and imagine, imagine if people could sponsor themselves in there. So like the best TV shows and it's like it's all paid. Getting there. Best YouTube.

The best programs to buy. are in there too. Best coffee to drink. That's smart. So you have this like book, the workbook, and that's another form of income. Yeah. So you have like seven or so. Yeah.

Quite a few. Are you able to disclose percentages or numbers or? No, we want to know number. I mean, numbers ID. We don't have to. Okay. Yeah, sure. I think Google AdSense this month is around 17,000.

For which for all combined? Yes, nothing compared to you. Ugh. Yeah, I watched it yesterday's a shame. Oh, wait, which one? the net worth. Oh, wow. Yeah, yeah.

A lot of people watch that video. Then, so workbooks, around 10K every month. Paid partnerships, 30K a month. Wow. Wait, what kind of paid partnerships do you do? So, like, companies that will work with, like, product placements in my videos. What companies? Audible, Skillshare.

We got to talk about this afterwards. because I'm not doing anywhere close to that. Wow. Really? Yeah. Really? Who are you working with? All of them.

What are you talking about for sponsors? Yeah, like you mentioned a sponsor chain. Well, not all of them. Let's see, which one is it? Audible, Skillshare. Glinkist. No. I just did Morning Brew, which is an online newslet,

investment in the internet, which seems like a really cool company. Trade coffee, which has been awesome. I like them all. lot. Can you disclose how much you charge? I can't.

Not on the pot. I'll disclose that separately by the side. I'll just cut it out. You'll bleep it out. Yeah. I mean, is that

about on average? About what I charge. Really? But you'd just do more. Yeah, and my channel's a little small. But that's the thing. That's... Oh yeah.

You could have charged a lot more. Be confident. Oh, yeah. And then they'll be like... People like you charge like... You serious? Just bleep out the numbers

like for this part, like the... The f*** part, just bleep those out. I mean, I do. I do, yeah, I mean, yeah. I'm getting short change. I mean, because I hired a salesperson and she was able to secure all the deals.

I knew we should have done that. People reach out to us all the time and they're from agencies that link people in sponsors. No, agencies are not good because agencies are going to take part of your profit. Fair enough. So if you have a salesperson who's reaching out of companies that you like. So we have this strategy where, you know, Crunchbase, the website that says how much the company has raised. So if I tell Kate, For example, I want to advertise somebody in education.

She goes to CrunchB, C's who've recently raised Series A or Series B. That means they have a lot of marketing budget. She reaches out of them, says, hey, we have this amazing channel. Do you want to collaborate? And if they have an ongoing program, sometimes they reach out themselves, but there's also a lot. I'd be interested. Let me know on that. See, this is it.

You're getting the real conversation. I mean, that's the thing. Like, we would be turned over seven. Grands video in two years, my network. Do you know what we need? Wow. Honey. To sponsor us.

Oh, Honey, Honey, Honey made me an offer, but believe it or not, I wanted, like, I wanted more for them, and they were, I love it, but they did,

they barely offer it. They were paying less than almost anybody else. But, like, H3 and huge YouTubers do Honey, and I feel like they probably get, like, a lot. I think Honey is such a good app

and they're so safe that anybody would just, their audience wouldn't be upset. Yeah. Because, like, sponsors are one of those things, at least on my channel, where I'm afraid if I do it too often, then it just kind of ruins the message.

So you've got to sprinkle it in every now, and there's that trade-off. But honey, I feel like, if I mention honey to my audience, you'd be like, oh, thank you so much, Graham. Thank you for mentioning honey. And they're not going to be upset versus maybe somebody else. So, wow, I'm learning a lot.

Yep. Okay. So we got to do that. Sponsorships. Yes, some of them are on Instagram, but YouTube is a, A bigger chunk. Workbooks.

Last month it was around 9K. What else? Well, language of salary. I don't want to just close it. That's fair. What else do we have? Oh, courses. Last month I made around 30K on courses.

That's good. That's really good. What have we averaged this month? Like 50? 60. Yeah, maybe around there. A month? I think we do a little bit less than that. A little less than that?

Well, so, well, it's, it's staggered. because everyone waits until I have a sale and then spike and then it goes down. It's the average. Yeah. Because I only really will do like a sale push like maybe twice a year. Do you do any marketing? No. Oh, that's the thing.

So if people want to buy one of my programs, programs in the description, I never really market. I never push it. So it's there if people want to get it. And if they don't want to get it, that's fine too. So I never push it. Because we have marketing. Okay.

Going marketing. Okay. webinars and stuff. Oh, yeah. So I've never done that. It's just the occasional, just link in the video, swipe up story. And that's it. So I purposely tried to not push it because I feel like I don't want to be too pushy.

Gosh, I'm undercharging on sponsors. Anyway, that's going to ruin my name. I'm going to be up. You know, you know that meme where the girlfriend is, what was it? Oh, what's he thinking? Yeah, what's he thinking? And he's like, he looks all concerned. going to be me tonight.

Like three o'clock in the morning, be like, how much did I leave on the table for sponsorships? Wow. So I was adding it up in my head. It's almost $100,000 a month. About. Yeah, about. Wow.

So there's her title right there. Yeah. So let's talk about being a business owner. How is your time allocated throughout your average day? And what's it like to just be a business owner? Yeah, that's a great question. So I start working in the morning, around 8 a.m. whenever my baby wakes up.

So from 9 a.m. to 10 a.m. I think it's just back and forth with a team. Then like lunch, breakfast, time with my baby. Then she goes to sleep and I film my videos. And she wakes up. So it's back and forth. Sometimes I have days when I just filmed. So today, Oleg came over my camera guy

and we just filmed the whole day because I'm leaving tomorrow. And I need a lot of content before I go. But I would say per day, I spent like a couple of hours on my companies and a couple of hours on creating content. So four days. I try to work for four days, four hours a day. How was having a child in the middle of all of that? Congratulations. Thank you.

Yeah, she's eight months old. Oh, she's eight months old. Yeah. She's eight months old. Yeah, it's pretty cool. I have my mom here. She came over from Russia to help out. Cool.

Because otherwise, I don't know how. Are you going back to Russia? So we're going there for a couple months And then we're going to come back probably with a nanny Because my mom can't be here for it too long Is that where you live? I used to live there, yeah But you currently like you're

Oh so I've lived in San Francisco since 2016 And then we just got tired of the city Because we lived in one of the high rises And then the lockdown started And you know going down in the elevator with like 10 people And every Every walk was a struggle And we don't have a little parks

and the city, everything is closed and you can't really use the city's benefits. We decided to move out and we moved out in May and we just traveled throughout California. We've been to Dylan Beach, Malibu. Malibu is our favorite location so far. San Anselmo, Palo Alto, now LA. With a baby. With a baby. Wow.

And that was the perfect time I felt to travel. Oh yeah, exactly. Kind of with everything shut down. You're getting so many deals. The first trip that we took was in May and we stayed at this Airbnb. Malibu for $200 a night. Now it's renting out for $1,600 a night because they just realized people started traveling. So we got a lot of great deals in Maine, June.

Now it's not that. Well, I was thinking for traffic. Like almost anywhere you drive, right? Because that's the first thing from L.A. It's like, what's the traffic? Like traffic. There's no traffic right now, which is a benefit. Yeah.

And not a lot of tourists, which is great. Yeah. On being a business owner, how many employees do you have? So we have a lot of. contractors, this is the way with structure the company, because there are a lot of things people can do from all over the world, and we have a team in several countries. We have 55 people on the team. We used to have 80, but then with a...

The illness. The illness. We just say the illness, yeah. Because you don't get demonetized. You no longer get demotized. No, yeah, I heard it was no longer. I don't believe it. Really?

I don't know. Just in case. Okay, just in case. The illness. Let's talk about spending money. What percent of your income do you save? So last month was a bad month because I spent 50% of my income. That's a lot of money.

On what? Because we're traveling. We're traveling. I got flights to Russia. I got, you know, just think, oh, that includes my team, my personal team. That includes my personal assistant, salesperson, a marketing person. So I still consider it my personal income. So that's why.

But yeah, normally I try to spend 20 to 30% of my income. I mean, it's good. That's good. But you spend what? Less than 1%. Something like that. I mean, it's absurdly, though. Well, now I got the house, so it's a little bit more.

But the net, the net, you know, I do some creative numbers there to make it lower, counting the rent to my other place. But anyway, yeah, it's something like that. And what do you think about living frugally? I don't like it. Oh, get out. You know what I started doing this month? Whenever I buy something from a company that means I trust this company.

So for example, when I got my first iPhone, if I bought Apple stocks as well, I would have afforded like three iPhones with one stock today. So this is what I thought. If I trust a company, if I like it, if I make a purchase, then I would invest the same amount of money into stocks. Because if I believe in it, it would probably grow. So I'm trying to follow this role this month. It's a good way of thinking. Yeah. But, yeah, I don't like to.

live for me because I think I'm missing out on things like travel I love traveling and I just can't and when you have a family like I have my mom and my daughter travel with me and I need you know a nice house because you need space and film there that costs money uh I want a nicer car get a Tesla do you drive a nice car we ordered a cyber truck I have a Porsche whenever that happens yeah Porsche which one uh okay okay oh the SUV yeah yeah yeah okay yeah okay yeah okay yeah okay yeah okay yeah okay yeah okay yeah Okay. I forgot what I was about to say. It's not to say something and I was like, this is a good...

No, I try. You know, I watched some of your videos about living for a gilly and I'm like, should I try it? And they're like, nah. Nah, it's too much work. You're still saving a pretty good amount. Yeah, I'm trying, but I really, because I feel people have created so many things I want to try, like different hotels I want to stay in or, you know, truly that is nice. Or cars that are pieces of art. I just want to test it out because there is one life, you know.

Yeah, I mean, there's ways to get the same experiences for less. That's it. Like your Porsche buy the same car a few years old. There you go. Yeah, exactly. Travel, you could just do credit card churning. Get this credit card sign up bonuses. A lot of ways to get the same experience.

Like food, go to the happy hour. Stuff like that. That's easy. I think it all just comes down to what you really want out of life. And if you, because as long as you're not stupid with it, because obviously you aren't, because you're still saving a decent amount of money. And if you just want, you know, to spend that extra 15% or whatever. Yeah, and the mindset also, because when I was at the university,

I spent a lot of my mental energy on how do I save money? How do I have lunch for, you know, the light? Do we need to fix it? Oh. Oh, it's not plankton all the way. It must have come on done. It's our rinky dink studio. It's over a little thing in the bottom wasn't plugged in the only way.

It just came out. Yeah, the electric in this place is gone, and it's going to blow in a moment. Oh, my gosh. Yes, at some point I realized I spent too much of my mental energy on figuring out how I save money. Yeah. And then I thought, okay, if I end up spending 15% more or 20% more, I just saved that mental energy and invested into something like business. for another YouTube video. Yeah.

And this is why I stopped doing like, you know, calculations all the time. Like, oh my God, I need to shop here because it's cheaper. I find it fun, though. That to me is a bit, it's just like a sport. You know, it's like, ooh, it's $2. I got him. I won. Yeah, it's fun.

I won this time. Yeah. I see where you're coming from. And I've always kind of thought that in the back of my head with Graham. Because you and I have spent a crazy amount of time sometimes just doing stupid things. Like when we were like trying to put in that light. And the guest unit, like, how long did we spend on that? An hour.

Yeah. And, like, we put in a light, right? It's like, your time was worth so much more than that. And that was a stress. Remember how frustrated we were? Oh, I got angry. Standing on, like, the piano thing. But those are memories.

Those are memories that you remember. That's true. Yeah, same with this. I installed this. This is like I installed myself. I think the guy wanted like 80 bucks to install this. We did it in like an hour. Only 90 minutes.

But how I'd look at it every morning. Every night I get home, it's like, you look at the light, you're like, I did that. Yeah, as long as you don't get frustrated, because I get frustrated, if I have to clean the whole house and I realize I could have paid somebody to do that and could have, you know, spend time with my child instead, I just get frustrated. What might be different if you have a family, you know? That's true. Like a kid. And then, but then you could teach your child how to do stuff like that. You know, old enough, you know.

She does all the stuff. Yeah. Old enough to, like, wire something together. with electricity, I don't know, four or five, whatever that way. And then you could get them to pay for themselves. It's a marketable trait. And then you could, then you could figure out some infinite monetization loop where you react to them reacting to Sessna Street or something like that, some weird stuff. And yeah, you're good.

Yeah, market your children. That's always a great thing to do. But, yeah, I mean, we've strung up the lights in the backyard. I mean, that took like two and a half hours. Yeah. Two and a half hours, me and Graham, so five hours between our time, stringing up lights in the backyard. using like a broom and like literally tying the extension cord to a rock and trying to throw it over it. Yeah, there's a tree out in the back that's like 30 feet tall. And we wanted to get these cool like Edison lights around the tree that was 30 feet tall.

We had no way of getting out there. Jack tried to climb the tree. That didn't work. We didn't have a ladder. We could hire a professional, but I wanted it done that night. So yeah, we got creative two and a half hours later. We just stung the light around. I mean, it's perfect.

Yeah. So, oh, by the way, if I mean, if anyone needs lights strung up, you know, in L.A. area. We're a good duo. We'll take hours. Yeah. We'll installing those lights, but we'll do it. We'll have the good memories.

That was a fun night, though. I think we got, did we get sushi that night? I think we rewarded ourselves. I think so. No, see, our thing is that if we get, the agreement was that if we post a video and that video is a one out of ten, meaning it's the best performing video

out of the last ten, we get sushi. And that's our celebration to get a one out of ten. So I think that day we got a one out of ten. and then we installed the lights. Yeah. We do reward ourselves on occasion. That's good that, you know, you found your balance and I think it's totally somewhere like reasonable. Yeah.

But I still feel that I have to make more money in order not to end up spending 50% of my income. Mm-hmm. And what are some of the things that you've spent money on that you think Graham would like disagree with to a far? The car? Not necessarily Because Porsche's a good resale value I mean what did you buy it for 50K?

50K, how long have you had it for? A year and a half And what year is it? 2016 I think Probably worth 35, 40 That's not terrible Yeah, it's pretty much the same

I calculate it pretty much the same as leasing But you're leasing a new one But I don't really like the new one Because I like the older one with all the buttons Leasing could be better for you as a write-off though Oh, yeah, that's true. That car, I think, would be better as a write-off. I knew nothing about ride-offs when I started, when I bought the car.

I mean, it's good you own it now, but in the future, I would probably lease a car like that. Can you lease a Tesla? It's terrible, terrible lease rates on Tesla's. But are you leasing or you buy it? $78 a month. So, yeah. It was worth it to buy it. Yeah, you didn't see that video?

It's one of your best performing videos. It was true. Yeah, I didn't see it. Yeah. No, Tesla offers so many rebates. We should put a referral link for the Tesla in the district. Let's actually do this. But they have so many rebates available.

And at the time, I think there was a $3,750 federal tax credit. There was a California tax credits on top of that. There was, I was able to depreciate the car. There's so many things with Tesla that just, it made so much sense to get the car. And in the first year, it only cost me $78 a month. And then after that, I mean, it was really just the cost of insurance, which was nothing anyway. and there's no gas, electricity was a dollar a day. So it just was so cheap.

It was cheaper than any other car I can get. Nice. So alongside the porch, is there anything else that you think? That's not that bad. Flying business class, you would disapprove. Is business the same thing as first? On some flights, yes, on some flights, no. But yeah, when you fly for 13 hours, I flew economy a lot of times,

and you just come to a place where you're traveling completely. you know, sleepless and you're jet lagged. And then we started flying business and it's a completely different experience because you can, you know, sleep when you fly and then you come rested. I've never flown for more than like five hours, six hours the most. Have you ever flown business or first? No. You haven't?

No. Even with the miles that you're getting? Uh-oh. I'm in a terrible habit of saving my miles at this point for, I don't know what. You're just a hoarding. I want to get a million miles. Don't you want to try that lifestyle for once? I'm curious, but part of me is afraid of liking it too much and then,

but I also don't want to waste all my miles. Yeah, but I look at the miles and I'm like, I could get X amount of flights with those miles, or I can get like three big flights. I'd rather the whole bunch of little tiny ones. I don't know. I don't know. I'm sure I'll do it, I'm sure I'll do it at some point.

The big ones are like 3K or 4K and then you're just saving. I'll do it at some point. Macy and I wanted it for my birthday, and obviously this didn't happen. because of the illness that went around. But we were going to be going, there's a place. She tagged me on Instagram as a joke called Graham's Place. And we clicked it because it was actually a thing.

And it clicked it. It's an island that's called Graham's Place. And it's just, I don't, it's somewhere off of, is it off of Mexico or something? So anyway, it's, it's somewhere. It's like seven hours away. But our plan was to go to Graham's Place for my birthday. And yeah, I would have used my miles on that. I don't know if I would have gone, like,

business class, but maybe, I don't know. Yeah, I've always wondered what that would be like, too. There's no way I would ever. It's just such a completely different experience. When you don't have to wait in line, when you get into the airplane. That's true, waiting in line. So you don't have to. And you get a business lounge where you can take a shower.

Oh, but you have priority pass that does that though. Not really. Because, for example, SFO, San Francisco Airport, you have this priority bus lounge, which is not a lounge at all. It's just an area where you rest. But then you have the United lounge that you can use if you're flying business. And it's a completely different experience. Oh, you do? Yeah.

Oh. Credit card? Credit card. JP Morgan Reserve. Oh, nice. That's good. Yeah, I like United. And then I have the Centurion Lounge.

Oh, nice. Okay, then you have. Covered. Yeah. Yeah. Yeah. And then maybe the last one would be like staying in five-star hotels, like four seasons. Because I just like these.

Yeah. I stayed at the win the other week for, um, for, Fourth of July. That was a cool. And that was one of the first, like, that was probably the nicest hotel I've stayed at. Was it worth it? Probably not. I mean, it was, it was nice, but I'm not sure it was like nice, nice. I don't know. I just, I don't, I'm not a huge fan of hotels. I just, like, have my own space. Like, an Airbnb, I think would be a much better value than a hotel. Plus, it's like, I hate having, you park your car in a parking structure. And it takes you 10 minutes to walk through the hotel, like up to your room. And I just, I don't like it. I like to

park, walk through a door, and then I'm there. It's nice, but it just, yeah. Let's talk about investments. So what's your investment portfolio look like? Do you manage it yourself or do you have an advisor? Yeah, I manage it myself. And that was, by the way, one of my questions. So basically I have, I don't have a lot of investor right now because I'm still like,

maybe I should still have it on my LA bank account or Capital One savings account. But I've invested in some index funds with Vanguard. I think I have this, the one that's mimicking. 500, the one that... FIX. Yeah, and then international, V-VTIX, I think. And then the one that has

bonds. Vibibiblix, whatever it is. Viteblix. And, oh, the one that's mimicking properties. So it's like a... That's like a reet? Okay. All right. And then I have some stocks.

And so my goal is to have 2.5 million invested in five years. Okay. And so I'm thinking whether we're, we should get something like a property. But the thing here is that I don't want to get something just for renting it out. I want to get something that I would be comfortable living in with a family.

That's good school, safe neighborhood, and also a place where I can network. So something like, well, Silicon Valley is impossible with this kind of money. Like Malibu, for example. I really like the neighborhood close to L.A. And then it's very quiet. So, yeah, but on the other hand, you know, you have those properties that you can buy for, like 250k or 400k, 500k, but I won't live there. So there's this trade of whether I should get investment property or something where I can

live, but that will be more expensive, maybe not a good deal. I don't think investment property is worth your time. I mean, if you're making that amount of money, you going and researching properties and trying to like navigate a mortgage on those things and then renting it out and dealing with a property manager probably isn't worth it. Unless you get such a good deal where it's like you can't pass it up and there's so much equity in the property that you just basically walk into. But you doing all the legwork yourself at this, I just don't think it's worth it.

Why are you doing it? Because you've already done it. Yeah, well, two things. One is because, I mean, that's just what I've known in my entire life is just real estate and real estate investing. But even now, I don't look at it the same way. Because a lot of the legwork I did when like, that was really worth my time. Like really going in there and making like 80 grand in equity, I would do any, like I managed

all this project myself. I was there every single morning just like figuring out contractors. And it's just not worth my time anymore to do that. But you're still buying. You bought something recently. This one. Yeah. So I bought this.

I mean, this was more so for myself. But I also, I liked it long term as an investment. But, but yeah, and we needed space here. But yeah,

I mean, right now I'm looking for something else. Maybe as like an office space that I can get nearby here and then renovate. But that's more so just. So mostly for yourself, not as a. Right. Well, the office would be more for tax reasons.

But, yeah, for me going and trying to get a property and renovate, it's like I wouldn't do it. I wouldn't do it right now. At least for me at this time. Okay. Got it. Yeah. I think for you at your level, it's just stick with something basically. You don't even have to think about unless it's such a good deal where it makes sense.

And then obviously, if you get something for yourself, there's a price you'll pay for that, obviously. So who knows if that'll be a good investment long term. But I think if you get something. something for yourself, as long as you plan to live there for longer than like 10, 15 years, it's going to be way cheaper to buy something. Yeah, that's also the thing. We travel all the time. One day we want to live in Palo Alto.

The next day we're like San Francisco. So we're all over the place. It's probably better. Until you're looking for a place to really settle down for like 15 years, it's probably better for you to rent. And then you have the mobility to get up and move around as you please. Yeah. Yeah, not pay all the taxes.

Right. On average, how many hours do you think you work per week? and what do you do to unwind and de-stress? So in total, I say I work four hours every day. I don't really have a weekend because on the weekend I post an Instagram and I think about content for the next week. So I try to have one day off. That's hard.

To relax. Good question. I watch other people's videos. I read books. I take courses, take by programs. Buy programs and watch courses, watch programs. Um, yeah, shop sometimes. That's not de-stressing.

That's stressful for me. I bought a bean bag today, by the way. Did you really? Yeah, that actually so cool. Wait, like a big one? Yeah, a six-foot bean bag. Oh my gosh. Yeah, I'm dead serious.

Wow. Yeah. That's a good purchase. I always thought beam bag's a really good person. That's what I thought because I wanted to be, like, sometimes I see these chairs and like everything is so neatly like placed with it. I want to think that you just kind of like, totally. I could work from there.

And it's comfortable. Or I could work from over there. I could move it around. So yeah, I bought a beanbag. But I priced shopped. On Amazon, there was a beanback for like $250. And then I found the same beanbag on Wayfair for like $150. So I saved $100.

Reverse image. What's up? Reverse image search. Classic. Nice. Nice. That's a good purchase right there. Actually, it might be bigger than six feet because they ordered the XXL.

They had an XL and then I ordered the XXL. You're going to. Loving it. Yeah, I don't think so. I'm excited. Oh, it comes on Friday, the 31st. Nice. Yeah.

So that's my splurge. Like, that's what I, like, splurged on today was. I bought a bean bag. That's cool. Yeah. That's cool. Yeah. I tried doing that.

Doesn't work for you. No, beanbags? Why? No, I mean, splurging, when you call $150 purchase is a splurge. Oh, that's a big deal, yeah. That's a big deal for me. I thought you meant a beanbag. I tried the beanbag.

I'm like, what? How could that not be a bird? Because I've, I've actually never had a beanbag before. before ever like my friends have had bean bags growing up yeah it's so cool just to jump in them um they're the best never had one so now i get to own yeah yeah all right so what what i found really interesting is a a trend i've noticed is that people that are very successful like you and graham in your free time to de-stress and unwind you do things that are productive and something that will like take you further in life like because i feel i feel bad whenever i don't do something that's

productive. Yeah. I have hard time actually having rest. And I think bad comes from my childhood. Whenever it was weekend, I wasn't allowed to go to parties. I wasn't allowed to do bad stuff behind the parents. So I just had to stay at home and work. And if I didn't work, I felt like I'm missing out on something.

So I always need to do something. Otherwise, I feel bad. Yeah. I'm the same way. Yeah, for me, the drums is a good way to de-stress. You're going towards something. Yeah. Yeah, exactly.

And you see the progress towards. something like that. Same with gym. TikTok is a good way to do stress. I started doing videos for TikTok and it's a lot of fun when you try and dance and... Graham, you got to start that. Oh, I thought about doing it today. Believe it or not. It's not too late.

I don't know. I got caught up in something else, but I'll do TikTok. That's good. Yeah. That's good. Moving in the right direction. But yeah, I think that's great because that's something I've been personally trying to work on is in my free time. I'm always trying to find enjoyment out of things that'll be more productive in my life.

Oh! This guy wanted to be on the channel. I've seen him before. Yeah. Wait, really? Yeah. He's trending? Yeah.

Yeah, this guy. He reached out. Wow, he's got 13.16 million followers now. Back when I looked at him, he had maybe like a million, two million. And that was just a few months ago. Yeah, you grow really fast on TikTok. How has your growth been? Oh, almost a million.

We forgot to mention that. You're almost at a million on TikTok? I feel like I'm missing on it. Seriously, between like, there's so many things now that I'm... And also for TikTok, there's a cool strategy because you can repurpose the content you already have for YouTube. I was telling Graham what he should do is do, like, post a video and then the top comment on that video, you know, the top finance question comment, he'll just make a

a video the next day. Oh, the next one. And it's super easy content because he already has exactly what he's going to do in the top comment. What's your, what's your TikTok? Linguam Marina. Learn English. Oh, so it's more language stuff. Yeah, so basically what I do, I haven't produced any single video for this TikTok.

Wow. My team, so I have an SMA manager and a videographer. So they just take my videos. They added them so they fit TikTok format and they just post them themselves. So I haven't done anything for that. TikTok. It just grew. All right. It's good to have a team. Do you have any sponsorships or anything for your TikTok or? No, yeah. So far is it not yet profitable? I think they've introduced monetization recently. So you can go live and people can donate. On TikTok? Yeah. And this is the way to monetize.

But I haven't got any any money out of it yet. But people start, so the company started asking how much the product placement would be on TikTok. I got to do it. You got to do it, dude. How did you get verified on TikTok? I have a manager. You have a TikTok manager? Yeah.

How do they reach out? They just reached out. They reached out on Instagram, I think, and they said, we saw you started on TikTok. Oh, no, they actually reached out on TikTok. No, they send me a message on TikTok when I started. And I think they're just tracking people who have followers on other platforms. Yeah. And they reach out and help.

It's giving me so much to think about. know. I've resisted for months to do TikTok. I know, me too, me too. I remember Gary V started talking about it like a year and a half ago and it was like, eh. You got to listen to Gary V on this second. I know it's not too late. Well, until it gets banned. It's not going to get banned, but what are your plans for the future? And how do you make sure that every day you're growing and moving in the right direction? That's a good one. So my plans want financial goals, invest 2.5 million, have 2.5 million invested in five years. Start a lot of companies, like try out new things

because I feel that we've been working on Language Trip for five years. And I feel that we have an amazing team to try new things within the company and also outside the company. So just launching new companies and tech companies. Growing my personal brand. Who do you aspire to be like? Really? No.

My current Yeah Currently you're my favorite YouTuber and so the thing with me Like with following people I follow somebody I try to learn as much as I can Try to copy as much as I can

And then I move on to the next first And this is the way I learn about things I'm learning about investing right now I'm learning I thought that was a joke at first I'm like Oh no seriously This is the way I did

So before that It was like Gary V I learned a lot about social media Started TikTok look, listen to his hustle, understood that it's not for me. I can't do what he does, like wake up every morning hustle and hustle. And so, yeah, it's like I have probably two people per year that I try to study. Yeah, and this is the way I love.

That's an honor. Wow. That's so cool. Thank you. Yeah, thank you. Yeah. But it goes like, I'm learning from you today. Like, there's things that I'm thinking like, there's like three good things today.

Yeah. That I'm going to be up late tonight. I'm just going to be thinking. Jeez. When did you first find out about Graham? What video? I think it was December last year. And I think it was something about investing.

And I just started watching. December. Oh, so that would have been about 18 months ago. Oh, no. So the first video that, oh, okay, I remember. So your interview with a tech lead. Because he's from Silicon Valley. You found that video.

So, yeah, I saw you. I heard about your income on YouTube. And I was like, wow, that's crazy. And then I watched a video about your monthly income breakdown. And then they just started consuming. See, those are the things that I really believe that that's what gets people in or some of those like the surface level. Here's my income breakdown.

And then it gets people into investing. It's just the bait. I don't want to say it's like a bait and switch. But it's like the bait that gets you interested. Like for a lot of these kids, they have no desire to learn business or invest until they see a Lamborghini. And they're like, oh, I want the Lamborghini. How do I get there?

Oh, no. I got to work hard, invest and save my money. But it gets them through the door. So that's what a lot of those income videos do. They do the best. Yeah. And I think it's important to be open about your income because for many people, it's like a taboo topic. You ask them, I don't feel comfortable.

But when you're open, people just realize that they can do that as well. Because you show them the path. Yeah. And that's super important. That's very true. I wish more people were open about their income. Oh, yeah. Me too.

Because I was half expecting you to say like, no, we can't go over. numbers but we'll go over percentages. So I was happy to hear you go over now because then it's like we learn things about like our sponsors. Exactly. I'm messing up there. So I wonder what we could have learned

from those percentages that they just don't tell you. Did you always expect to be in some sort of work line like this or? No. Oh no. When I was like 16 or 17, my dream was to move to Florida and start a bakery. That was like my top dream

But then I met my husband And things changed What would you bake? Cupcakes Really? Yeah Oh wow Should have brought some cupcakes

Do you do bake cupcakes now? I used to You used to Okay You can open up a cupcake business Oh you make a program on how to bake cupcakes Oh wow I seriously

I bet if you spent like A day making a whole How to tutorial about how to bake cupcakes One of my friends does it You know the thing on In Russia with Instagram like everyone who has over 10,000 followers has a program these days because this is one of the fastest ways to make money and that's the thing I can find a program when is it going to burn out it used to be e-books that used to be the thing in like the mid-2000s early 2000 it was always e-books and people would make these e-books and sell over like $2030 and then now it's video courses I'm curious what it's going to be after that I don't see a lot of like people in the US like American bloggers do that I see that everywhere in Russia or like Eastern Europe but not here I bet they're all just giving money to each other, though.

You know, like Jack will have a course 100 bucks. I give Jack 100 bucks, but he'll buy my course or 100 bucks. So we're really just giving to zero to everybody, but it's like, so I give out $100, but I'm receiving it $100. It's just a constant flow. Yeah. Do you have any advice for Grammar, I? I think you should enjoy life a little more.

Oh, I do enjoy life. I do, I do, yeah. Enjoy things that people have created, enjoy places in the world, travel more because you have the resources and I just think there's this part of your life that you haven't discovered yet yeah traveling and stuff I'm open to doing it but I will find a way to monetize that I mean that's that's the thing so you can yeah first of all if you're doing something in that location you can ride off part of your travel right yeah then you can have hotels provide you free accommodation that's what I do a lot of times okay then you can review business class

flights and you get good revenue from that there are many ways to monetize how about advice for Jack. Oh, here's, here's, everyone that's on the podcast. I'm about

to college. Jack has one year left of college, but right, he's been doing this kind of like full time,

kind of like is a cool test for last few months. I wanted to just go full time and just skip out of last year of college studying economics.

What do you think? Oh, I was still good of bachelor's. Just in case. Just in case, just in case, what?

Yeah. Just in just in, I stopped posting videos. In 10 years, you want to get a master's degree over PhD. But, but,

but, but, But for what you do, did you need a college degree? Not really, but I needed my network. But what about this network here? We got the same access to you without college degrees and your network. It's a different kind of network. I don't know.

Academia? I don't know. It's a hierarchy. Like we don't belong to that upper level. What do you mean? Because we don't have a bachelor's. Nobody asks. It's not about that.

I just think, you know, it's, it's a nice. other step that you can take. It's an easy step one year. It's not like four years. And then you have these opportunities. I don't know. But I'm telling you he could take a year off, do it full time, and then decide then if you want to go back. You just want him to stay.

Yeah, yes. I mean, that's all of that. That's what it's about, obviously. I think it's such a funny thing to think of, like, Graham and I showing up at, like, some, like, event or something. And, like, some people are looking at us from far. Oh, yeah, those are the two guys that didn't go to college. But at least, like, if.

I went to college, it would be like one of us went to college. No, I think it's people actually now, in my opinion, prefer it. It's taken as a thing like they didn't finish college because they were that good. They didn't have to. It's like the dude walking into a high-end, like luxury boutique, wearing sweatpants. That's the dude with money because he doesn't

have to dress up for anybody. Yeah, I mean, I like that. I like that. It's a status thing now not to go to school. That's the way I see it. But you can take the advantage of current situation just as online? Can you take, can you do it online?

No, not for my, from my college. Because I have upper divs is like what I really have left and you can't really do that online. We should just leave it to the people in comments. Just comment below. I think you should this.

You guys should decide. But the thing is it's like my backup plan would be to be a real estate appraiser which does not require a college degree either. But my backup backup plan, I have one. McDonald's. I have never said this,

but I've always kind of thought it is to be a teacher. which is really funny because my mom's a teacher and my dad is a real estate of Fraser. But I would like to be a teacher if possible as a backup backup plan. Be an online teacher. You need to have, I wouldn't want to do that. I like the chatting and the socializing. Teach everyone here.

I guarantee everyone here would pay for your class. Oh, man. Well. And I was still doing. I forgot it's opposite day today. So whatever you say, Jack has to do the opposite of it. So that makes sense. Oh, really?

Not to mention that. Oh my God. All right. Okay, don't start a YouTube channel. That's another piece of advice. You want, yeah, yeah. All right. But finally, for the last thing, is Graham and I want a little bit of a lesson in a different language.

Oh. You know, when I posted this story on my Instagram asking people to ask you questions, I have some followers who are Russian who live in the U.S. and there is a way to call you in Russian, which is like a nice way, and it's Gremuska. Gremska. Yeah, and they're like, say, hi, it's a gramushka.

How do you say smash the like button? Smash is it. Liken'te. Liken'te, it's video. Oh, no. Postive to like. Okay, so how do you say hit the like button? Nashmite.

Nashmitea. Wait. No. Najmita Nachmitya Najmita On like Na like

Nashmita Na like Nice All right, we did it How do you say Subscribe Subscribe That's too long

But Butpissuities What What? Pat pissoitis Pat pisci Oh man Oh we got the cameras

All right What is it I'm going to give it on a shot here Okay what is it Pat pisoitis Pichich I don't know What is it

But pisciwitis What It's It's nice This is why you should Say it again But Pizovizovitis

It sounds so cold I don't know want my brain's not competing. Pot, Pichich. You can take Pott? Pot. Pesuitous.

No, you can't do that. I'm separated out and you're like six things. It's just two. Pod. P. P. C. C.

V. P. T. P. P. P. P. Pits.

Pich. Pich. Pich. Pich. Pachee tich. Pichichich. Pichichich ZZ. Pch Pichich ZZ.

Pichich Z. Pt Pich ZZ. Pt Pich ZZ. Buckbeets you Wow That's okay Good enough Good enough guys

Yeah So we're good All right So with that said you guys Thank you so much for watching I really appreciate it Thank you so much for Joining us on the iced coffee hour

And I'll link to all of your information In the description I'll start a TikTok Tomorrow of course And yeah guys Make sure to subscribe The like button Get your two free stocks down below

In the description for Webowl If you haven't done it whoever's watching this who hasn't done that yet I've said it a million just now is your chance to do it and yeah I think we're good yeah thanks guys

thank you thank you thank you I'm sure sometimes it's this weird behind the scene stuff that the people have